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Data security

How we use your information

The Data Protection Act puts obligations on users of personal information and lays down principles for its use. One principle states that information has to be processed fairly and lawfully.

This means you're entitled to know how we intend to use any information you provide. You can then decide whether you want to give it to us.

Sharing your information

Unless you've given us your consent, we won't provide information about you to companies outside our group to use for their own marketing purposes.

Sometimes we need to give information to our agents and subcontractors so that they can provide a particular service for us. Sometimes, these companies may be located abroad in countries that do not have adequate data protection laws. In these circumstances, we always take great care to ensure your personal information is kept safe and secure.

Other members of our group may also share your information to help keep their records up to date and administer your relationship with them.

Statutory disclosure of information

Some Acts of Parliament oblige us to disclose information about our customers to certain bodies with statutory powers.

For example, we must give information to authorised benefit fraud investigators where fraudulent benefit claims are suspected. In addition, HM Revenue & Customs has the statutory authority to audit our customers' accounts from time to time.


If you email us, or give us your email address, we'll keep a record of it. We may use it to contact you occasionally about other products and services which may interest you, unless you ask us not to.

We won't give your email address to any unauthorised third parties.

Remember that emails are not secure, and could be intercepted. If you send us an email, please keep the amount of confidential information you include to a minimum. We'll do the same when we reply.

Sensitive information

As a Birmingham Midshires customer, there may be times when you give us sensitive information. We may share it with other parts of the group and our subcontractors to keep your records up to date.

Sensitive information is defined by the Data Protection Act as:

  • racial or ethnic origin
  • political opinions
  • religious beliefs
  • trade union membership
  • physical or mental health
  • sexual life
  • criminal proceedings and offences

If we ever collect these details from you, we'll only use this information to provide the service you require. We'll also ask for your explicit consent.

Find out more about our privacy policy >

FSCS – protecting your money. Find out more here.

Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs.

AER means Annual Equivalent Rate. AER illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers.

Tax free is the contractual rate of interest payable where interest is exempt from income tax.

For telephone line opening times, please read the information in our contact section. Calls may be monitored and recorded for security and training purposes. If you're calling from outside the UK, please dial +441902 428 311.

© Birmingham Midshires
This site is intended for UK residents unless otherwise stated.
Birmingham Midshires is a division of Bank of Scotland plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. Registered office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000.
To contact the FCA Consumer helpline, please ring 0800 111 6768. Alternatively call the Money Advice Service on 0300 500 5000 or visit